Overland Park, KS Car Insurance

In Overland Park, the average full coverage car insurance costs around $115 per month. Rates can vary significantly, from as low as $109 to as high as $305, depending on the policy details, vehicle type, and driver’s profile. To help drivers better understand potential costs, the table below lists the average car insurance rates for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Overland Park, full coverage car insurance costs about $1,363 per year, while minimum coverage is $584 annually. Compared to Kansas averages, full coverage is slightly cheaper, but minimum coverage is higher. The state averages are $1,365 for full coverage and $647 for minimum coverage.

Even with rising premiums, you can still find cheap car insurance in Overland Park. Auto-Owners Insurance Co offers the lowest rate for minimum coverage at $32 per month. For full coverage, American Family provides the best rate at $76 per month.

Auto-Owners Insurance Co offers the cheapest state minimum coverage for many drivers, but the most affordable option can vary based on individual factors. To find the cheapest car insurance, it's best to get quotes from multiple providers. Below is a table showing the cheapest car insurance rates for a variety of driver profiles.

Comparing rates from different insurers is key to finding affordable car insurance in Overland Park. Below, we detail the best options for minimum coverage and full coverage policies.

Auto-Owners Insurance Co offers the cheapest minimum coverage auto insurance at $32 per month. American Family follows with a rate of $43 monthly. See the breakdown of the cheapest options in the table below.

In Overland Park, American Family offers the cheapest full coverage car insurance at $76 per month. Below is the full list of providers and their rates.

To find the cheapest car insurance in Overland Park, get quotes from several companies. Auto-Owners Insurance Co offers the lowest rate at $674 annually. Meanwhile, American Family is a great affordable choice with a MoneyGeek score of 79.5. Below is a table with more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,363 per year for 40-year-olds and $1,287 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Nationwide offers the cheapest overall car insurance for teens in Overland Park, with full coverage costing $90 per month. This brings a savings of $93 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Auto-Owners Insurance Co offers the lowest minimum coverage rate at $42 per month for young drivers in Overland Park. For full coverage, American Family has the most affordable rate at $91 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Travelers offers the most affordable auto insurance coverage for young drivers at $70 per month. For more details, check out affordable auto insurance. The table below shows other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Auto-Owners Insurance Co and American Family offer the cheapest car insurance in the city, but rates vary based on individual factors. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

American Family offers the cheapest monthly premium for seniors at $56 when considering both minimum and full coverage. Auto-Owners Insurance Co follows closely with a rate of $56 per month. Below, you'll find a table of the top car insurance providers for seniors in Overland Park.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When comparing high-risk driver profiles, Overland Park offers more affordable car insurance rates than the state average. The annual cost for minimum coverage is $978, while full coverage is $2,042. Drivers with bad credit and DUIs tend to pay the most for insurance. In contrast, accidents and speeding tickets have a smaller impact on rates.

Progressive offers the cheapest minimum coverage for drivers with a DUI at $569 per year. Meanwhile, American Family provides the most affordable full coverage policy at $1,096 annually. Check out the table below to see more options for low-cost coverage.

*Rates are for a 40-year-old driver with good credit and a DUI.

Auto-Owners Insurance Co, American Family, and Travelers are the three cheapest car insurance providers for drivers with an at-fault accident in Overland Park. For more details, see the cheapest auto insurance after an at-fault accident. The table below shows different providers offering affordable car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

American Family is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $51 per month and full coverage at $91 per month. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

Travelers offers the most affordable rates for drivers with bad credit in Overland Park, with minimum coverage at $70 monthly. For full coverage, American Family is the best at $131 monthly. See the table below for other affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In Kansas, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person.
• $50,000 uninsured motorist bodily injury per accident.
• $4,500 per person for medical expenses, $900 a month for up to a year of disability or loss of income, $25 a day for in-home services, $4,500 for rehabilitation expenses, $2,000 for funeral expenses.

For example, if you're in an accident, your state minimum coverage helps pay for injuries and damages up to these limits, offering financial protection to both you and others involved.

Auto-Owners Insurance Co is your go-to for the cheapest minimum coverage at $32, while American Family leads with affordable full coverage at $76. No matter your age or credit, you'll find options that suit your wallet. Remember, your policy must cover Kansas's basics: bodily injury, property damage, and uninsured motorist protection. Compare and save, ensuring you meet the Sunflower State's legal needs without breaking the bank.

This FAQ section provides quick answers to common questions about finding affordable and quality car insurance options in the city. Learn about minimum coverage and more to make informed decisions easily.

MoneyGeek conducted an analysis of Overland Park auto insurance prices using data from the Kansas Department of Insurance and Quadrant Information Services.

Overland Park Driver Profile

To assess the best and most affordable auto insurance options for Overland Park residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Overland Park

In assessing the car insurance quotes for Overland Park, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Kansas's mandated liability insurance parameters:

The minimum coverage requirements in Kansas are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $4,500 personal injury protection (PIP) per person

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

We adjusted the scoring in certain categories as follows:

• In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
• For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
• We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
• We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among Kansas providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Overland Park
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Overland Park.

For more details on our evaluation process, see MoneyGeek's methodology.